Preliminary data from CoreLogic, a property analytics firm, predicts that Hurricane Harvey caused between $25 billion and $37 billion worth of flood losses across Texas and Louisiana. Only about $6.5 billion to $9.5 billion will be covered by insurance.

And, Hurricane Irma-related losses in the five states most affected by that storm total $25 billion to $38 billion. Only about $5 billion to $8 billion of these losses will be covered by insurance.

Flood policies backed by the National Flood Insurance Program (NFIP) have a Coverage A (Dwelling) limit of $250,000. This means that if your Homeowners policy Dwelling Coverage A is greater than $250,000 you should consider an “Excess Flood” policy.

You can buy an Excess Flood policy in coverage amounts more than $250,000 up to the level of Coverage A you have on your Homeowners policy.

Excess Flood can be relatively inexpensive and can also provide higher levels of Personal Property coverages, too. Some also feature Temporary Living Expense and Other Structure coverage.

If you’re interested in learning more about Excess Flood coverage or would like to request a quote, click here to find an insurance expert near you.